BeClever
BeClever is an Argentine fintech vendor that sells a low-code, API-first SaaS platform — Suite 360° plus Lending, Wallet, and Decisioning modules — to banks, retailers, and financial institutions across Latin America.
- Company typePrivate
- Founded2013
- HeadquartersAcassuso, Argentina
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What BeClever does
BeClever S.A. is an Argentina-based, privately-held fintech software vendor that sells a low-code, API-first platform — branded Suite 360° — to banks, retailers, and financial institutions across at least five Latin American markets (Argentina, Bolivia, Colombia, Mexico, Peru). The platform unifies nine functional modules (Onboarding, Core, Collections, Compliance, Cards, Insurance, Loyalty, Orchestration, Reporting) and is delivered alongside three dedicated product lines: Lending as a Service (covering automotive loans, BNPL, leasing, microcredit, and more), Wallet as a Service (a white-label digital wallet), and Decisioning as a Service (a configurable rules and recommendation engine). Underlying technology includes full API integration, cloud-native architecture, ML-driven scoring and behavioral analytics for risk and collections, and anomaly detection for fraud within Compliance.
The company monetizes through enterprise SaaS subscriptions (Lending, Wallet, and Decisioning as a Service) augmented by implementation and consultancy services, with a direct enterprise sales motion and a 3-step onboarding process (Relevamiento, Data Load, Client Testing). Customers include La Polar (Chile/region), Ban100 and Banco de Occidente (Colombia banking), Dismac (Bolivia retail), and Grupo Vallejo (retail/cto-led deployment), and the firm reports 120M+ customer enrollments processed through its Onboarding module.
Operations are supported by ISO 9001 certification held since 2013 and ISO 27001 (27001:2022) certification added in 2024, an integration network of 80+ pre-homologated regional financial services partners, and industry association memberships across Argentina, Peru, and Mexico. BeClever's stated competitive proposition is implementation in weeks rather than months, configurable product design (200+ lending variables), and brand-preserving white-label deployment — all of which position it as a regional systems integrator for embedded finance in Latin America.
BeClever firmographics
Firmographics- Name
- BeClever
- Legal name
- BeClever S.A.
- Website
- https://beclevercorp.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- BeClever is an Argentine fintech vendor that sells a low-code, API-first SaaS platform — Suite 360° plus Lending, Wallet, and Decisioning modules — to banks, retailers, and financial institutions across Latin America.
- Ownership category
- akta.pro rank
BeClever industry classification
Industry- Product category
- Fintech Platform Software
- NAICS
- Consumer Lending (522291), Credit Card Issuing (522210)
- SIC
- Services-Prepackaged Software (7372), Personal Credit Institutions (6141)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- Billing, Subscription & Revenue Management Infrastructure (FSAGABAM), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where BeClever is headquartered
LocationHeadquarters
- HQ city
- Acassuso
- HQ country
- Argentina
- HQ region
- Latin America
Markets served
BeClever business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Lending as a Service: SaaS-based lending platform delivery with configuration and implementation services.
- Wallet as a Service: White-label wallet solution with API integrations to financial service providers.
- Decisioning as a Service: Decision automation engine with consultancy services for calibration and implementation.
- Consultancy Services: Regional consultancy for risk, collections, credit, cards, insurance, and account management. Specialists calibrate models, processes, and metrics.
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
BeClever product offering
Product offeringCore offering
BeClever builds and sells a low-code, API-first fintech platform (Suite 360°) that lets banks, financial institutions, and retailers configure and run lending, wallet, cards, collections, compliance, insurance, loyalty, orchestration, and reporting workflows through modular APIs. It is delivered as three subscription-based product lines—Lending as a Service, Wallet as a Service, and Decisioning as a Service—with accompanying regional consultancy and implementation support.
Product overview
BeClever is a Low-Code Fintech Platform offering the 'Suite 360°' — a modular platform architecture comprising nine integrated modules (Onboarding, Core, Collections, Compliance, Cards, Insurance, Loyalty, Orchestration, and Reporting) accessible via full API. The platform is complemented by three core product lines: Decisioning as a Service (automated business rules engine), Wallet (white-label digital wallet), and Lending as a Service (comprehensive lending management with automotive and BNPL variants). Built on API & Cloud, AI, and Omnichannel technology pillars, the platform enables financial institutions to implement complex fintech ecosystems in weeks rather than months.
Differentiator
Problem solved
Functional benefit
Products and services
- Suite 360° Comprehensive low-code fintech platform architecture integrating nine interconnected modules (Onboarding, Core, Collections, Compliance, Cards, Insurance, Loyalty, Orchestration, Reporting) accessible via full API, enabling financial institutions to build and customize their fintech ecosystem in weeks.
- Decisioning as a Service Automated business decision engine that lets clients design, implement, and document reusable rules for credit origination, omnichannel decisions, collections, campaign execution, loyalty, and cross-selling, with consultancy support for calibration.
- Wallet as a Service White-label digital wallet solution for banks, fintechs, and digital finance providers supporting lending, remunerated accounts, service payments, reconciliations, and card functionalities, with full API integration middleware.
- Lending as a Service End-to-end digital lending platform supporting leasing, microcredits, BNPL, secured loans, automotive, QR payments, student, agricultural, and factoring products, with 200+ configurable variables controlling the full credit lifecycle and integration to credit bureaus, banks, brokers, insurers, and digital signature providers.
- Lending Automotriz Specialized automotive lending solution for B2B/B2C loans and leasing, connecting dealerships with financial institutions, credit bureaus, brokers, insurers, and digital signature providers for end-to-end vehicle financing.
- Lending BNPL Buy Now Pay Later solution for installment financing delivered through embedded finance, supporting banks, retailers, and consumer segments via B2B2C models.
Quantifiable outcome
- 120M+ customers enrolled through the platform
- +3 more outcomes
Companies that use BeClever
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
BeClever technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature5 records
BeClever partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 80+ Regional Financial Services ProviderscoreIntegrated with 80+ regional leaders in financial services including credit bureaus, banks, brokers, insurers, digital signature providers, and local regulatory bodies. Pre-homologated integrations enable faster implementation for clients across Latin America.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
BeClever competitors and assessment
Company assessmentDirect peers
- Mambu: Mambu is a cloud-native core banking and lending platform sold to banks and financial institutions globally. It competes directly with BeClever's Suite 360° Core and Lending modules, particularly for institutions seeking configurable SaaS lending infrastructure.
- Pomelo: Pomelo is a LatAm-based fintech-as-a-service platform offering card issuing, accounts, lending, and processing via APIs. It is a direct regional competitor to BeClever's Cards, Wallet, and Lending-as-a-Service offerings across Latin America.
- Pismo: Pismo offers a cloud-native platform for banking, payments, and cards via APIs, with strong LatAm presence. It competes with BeClever's Wallet, Cards, and Core modules for embedded finance and digital banking use cases in the region.
Emerging players
- Belvo: Belvo is a LatAm open banking and financial data API platform used by lenders and fintechs for credit decisioning and account aggregation. It overlaps with BeClever's decisioning/scoring use cases and is integrated with many of the same regional lenders.
- Upstart: Upstart provides AI-based lending and credit decisioning technology used by banks and lenders. It competes conceptually with BeClever's Decisioning-as-a-Service and AI-powered risk scoring modules, though Upstart focuses on consumer credit marketplaces.
Broad incumbents
- Galileo Financial Technologies: Galileo (a SoFi company) is a large-scale payments and card issuing platform powering fintechs and banks globally. It competes with BeClever's Cards module and embedded payments infrastructure, especially for institutions seeking a globally scaled incumbent.
- Marqeta: Marqeta is a modern card issuing and payment processing platform serving fintechs and brands worldwide. It directly overlaps with BeClever's card management and embedded card-as-a-service capabilities.
- Thought Machine: Thought Machine provides cloud-native core banking technology (Vault) to global banks and financial institutions. It competes with BeClever's Core and Lending modules at the higher end of the enterprise banking market.
- nCino: nCino is a cloud banking platform focused on lending, account opening, and risk for financial institutions. It overlaps with BeClever's onboarding, credit origination, and decisioning modules in the enterprise banking segment.
Regional players
- dLocal: dLocal is a LatAm-focused payments processor enabling global merchants to accept local payment methods. While primarily a payments processor, it serves the same LatAm bank and fintech customer base and intersects with BeClever's payment orchestration capabilities.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
BeClever social profiles
Digital presenceBeClever compliance and trust
Trust signalCompliance2 records
BeClever financial estimates
Financial estimateRevenue estimate
Valuation estimate
BeClever leadership team
Management profileNumber of profiles
Profiles2 records
BeClever funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BeClever M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BeClever
What does BeClever do?
BeClever builds and sells a low-code, API-first fintech platform (Suite 360°) that lets banks, financial institutions, and retailers configure and run lending, wallet, cards, collections, compliance, insurance, loyalty, orchestration, and reporting workflows through modular APIs. It is delivered as three subscription-based product lines—Lending as a Service, Wallet as a Service, and Decisioning as a Service—with accompanying regional consultancy and implementation support.
Is BeClever a public or private company?
BeClever is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was BeClever founded?
BeClever was founded in 2013. It employs 51 to 100 people.
Where is BeClever based?
BeClever is headquartered in Acassuso, Argentina, in the Latin America region.
How does BeClever make money?
Four revenue lines are on record. Lending as a Service is the primary driver. The others are wallet as a Service, decisioning as a Service and consultancy Services.
Who are BeClever's main competitors?
Direct peers on record are Mambu, Pomelo and Pismo. Emerging players are Belvo and Upstart. Broad incumbents are Galileo Financial Technologies, Marqeta, Thought Machine and nCino. dLocal is listed as a regional player.
Does BeClever have an API?
Yes. BeClever operates as an API-first Low-Code Fintech Platform. The platform offers full API integration capabilities, described as 'Middleware de integración full API'. Solutions are accessed via APIs including the Suite 360° modules (Onboarding, Core, Collections, Compliance, Cards, Insurance, Loyalty, Orchestration, Reporting). The Decisioning module allows creating reusable rules consumed in web applications.
What industry is BeClever in?
BeClever's product category is Fintech Platform Software. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGABAM, Billing, Subscription & Revenue Management Infrastructure. Its NAICS code is 522291 and its SIC code is 7372.